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% or 15%. >> we have a caller in sacramento, california. caller: hello. my problem is that i start going to school in 1985. i had some hardship. at the time in 1981 when i took out a loan, i owed $3000. now i/o $8,000. -- now i owe $8,000. i have not been able to pay the loan back. recently i pay that loan for a whole year. i got it out of default and went back to school. one of my kids got sick, gravely ill. i had to step out of school and the loan went back into default. host: that is an example of someone who could not use the bankruptcy option you talked about. guest: it sounds like she has been trying to repay it and has been able to do it at some times. it does seem like you are a good candidate and in some cases there are better options for people who might need some help i need to defer their loan or look into some of the federal repayment plans that might be more lower the monthly payment significantly. host: the conversation that you are part of the propublica discussion back in november showed that president of -- the chief enrollment officer at new york university. enrollment
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